Credit Card Security Tips
Stay Alert and Keep Online Security Information in Your Grasp
Shopping with credit cards has become a daily habit as online shopping is becoming ever more popular with most people. However, the credit card account may be used fraudulently if the information is leaked unfortunately. Here are some Security Tips to help you protect your Credit Card Account and Transaction Security.
How do fraudsters make phishing messages?
- Fraudsters may request customers to confirm or provide correct recipient addresses, settle payment for delivery or collect/ process customs duties on behalf of any customs authorities of the destinations for delivery in the phishing emails/ SMS messages alleged to have been sent by Hongkong Post or courier company
- Fraudsters may send fraudulent hyperlinks that invite you to participate in the questionnaire or prize draw to get cash coupons or gifts as baits, or request you to comply with the instructions which appear as important notifications from the bank, in order that induce you to provide sensitive personal information incautiously
- Fraudsters may hold a fake interview in the name of a company job fair and require to lock interviewees’ personal belongings and then obtain the credit card information by illegally means
- Fraudsters may impersonate courier companies via phone calls or SMS, falsely claiming that your parcel is lost and offering a refund. They may ask you to download unverified applications and tap your credit card against your mobile device for ‘verification’, thereby stealing your credit card information to conduct unauthorized transactions
How can I protect my credit card account better?
- Handle with due care any PIN or Password for use with the Card and keep such PIN and Password (if applicable) confidential. Also, carefully handle any authentication factors, including biometric data and one-time passwords
- Never share your sensitive personal information with anyone, including credit card numbers, expiry dates, Card Verification Values (CVV), One-Time Passwords and Online/ Mobile Banking login password.
- Remain alert for any suspicious email address or domain name (URL), and incorrect grammar, spelling or information and do not open the attachment or access the website directly through hyperlinks/ QR code embedded. You should always access Internet banking by entering the bank’s website address directly, or using a bookmark or an Internet banking mobile application (app). Please avoid logging into online banking or transmitting personal information through public networks
- Do verification before providing your sensitive personal information or financial information like credit card into trusted websites. Suggest using other channels like official messages to authenticate the identity of the third party instead of following the instructions from the message directly if the third party requests you to provide your personal information or to transfer money via social software, telephone, email, SMS, etc.
- CCB(Asia) has joined the SMS Sender Registration Scheme. This means we will send SMS messages to local mobile phone subscribers only with the following Sender IDs, including #CCB Asia, #CCBA SMS, #CCBA Alert, #CCBA Card, #CCBACard or #CCBASIA.
- Customers should also remain vigilant at all times. Regardless of whether an SMS sender's name with prefix "#" , customers should not open hyperlinks in SMS messages, disclose personal or bank account information to unverified senders, or transfer money as requested by them to avoid any losses.
- Check credit card account from time to time and review transaction records with alert messages (e.g. SMS and email) and statements issued by the Bank in a timely manner. To provide Cardmembers with extra protection, Cardmembers will receive SMS alerts upon making designated online transactions, phone orders and mail orders with CCB (Asia) Credit Cards
- If you receive any suspicious or multiple "One-time Password"(OTP) via SMS, please contact us immediately. Remember to input the OTP for transactions only if you have verified the transaction details. Do not forward your SMS with OTP to other mobile phones or disclose to third party
- Review and adjust the credit card limit and monthly card-not-present limit from time to time via online banking or mobile banking, to match with your daily needs. You may decrease the relevant limits to lower the risk of fraudulent transactions
- Call our 24-hour Lost / Stolen Credit Card Hotline at (852)3179 5505 immediately or report lost via CCB(Asia) e-banking if your credit card or a mobile device(s) with credit card(s) bound to the mobile wallet is lost or stolen
- Please be reminded that the bank will not send SMS or email messages with embedded hyperlinks directing customers to the websites or mobile applications to carry out transactions or ask customers to provide sensitive personal information, including login information and OTPs, via hyperlinks. Nor will the bank notify customers of account irregularities through pre-recorded messages. If you suspect anyone else has accessed your Bank’s Online Banking website and applications, card details have been compromised or you have found any suspicious transactions, please login to CCB (Asia) Online Banking or Mobile Banking to suspend the card and report unauthorized transaction; or call our Bank By Phone at (852) 277 95533 or Credit Card 24-Hour Customer Service Hotline at (852) 317 95533 to freeze your card.
- You can also login to Online Banking or Mobile Banking with using the function of Temporary Suspension of Credit Card, Reactivation of Credit Card or Monthly Card-Not-Present Limit Setting, to lower the risk of fraudulent transactions.
- If you fail to fulfill the cardholder responsibilities, for example, not duly protecting your credit card, credit card information, PIN, Password, biometric data, one-time password, or ignoring pre- and post-card transaction notifications from the bank, you are fully responsible for the consequences, losses and / or liabilities and the consequences of providing explicit consent to over-the-limit facilities
Other useful information
- Relevant information is from the Security Tips of the Bank (please refer to CCB(Asia) homepage > e-Banking > Security Tips for more to discover what steps you can take to improve your security and privacy) and from Beware of Fraudsters from the Hong Kong Monetary Authority: https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/. Information for reference only
- “Protect your Personal Digital Keys; Beware of Fraudulent Links!”. Please refer to https://www.hkma.gov.hk/eng/news-and-media/press-releases/2021/07/20210706-3/ for more details about HKMA and HKAB Raise Public Awareness of Phishing Attacks
- “Credit Card Transaction Protection - What You Need to Know”. Please refer to https://www.hkab.org.hk/en/news/press-release/280 for more details about HKAB Raise Awareness of credit card fraud prevention
Disclaimer
We are an authorized institution under the Banking Ordinance, licensed for Type 1 and Type 4 regulated activity under the Securities and Futures Ordinance and an approved insurance agent under the Insurance Companies Ordinance. This material is directed to residents in Hong Kong only, and is not intended for distribution to, or use by, any person outside Hong Kong. This material is not an offer, invitation or inducement to buy or sell any investment or insurance products. This material does not constitute any prediction of likely future movements in prices of any investment products. You may not share, forward or reproduce this material for business purpose. This material was issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
We are an authorized institution under the Banking Ordinance, licensed for Type 1 and Type 4 regulated activity under the Securities and Futures Ordinance and an approved insurance agent under the Insurance Companies Ordinance. This material is directed to residents in Hong Kong only, and is not intended for distribution to, or use by, any person outside Hong Kong. This material is not an offer, invitation or inducement to buy or sell any investment or insurance products. This material does not constitute any prediction of likely future movements in prices of any investment products. You may not share, forward or reproduce this material for business purpose. This material was issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
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